| Metric | Centreville Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +5.5% | +3.5 pts |
| Deposit growth (YoY) | +7.2% | +5.1% | +2.2 pts |
| Loan growth (YoY) | +8.7% | +5.9% | +2.8 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 9.5% | 12.2% | -2.7 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.15B | $2.30B | $2.39B | $430.6M | $19.9M | 1.30% | 3.11% | 1.39% |
| Q1 2026 | $3.05B | $2.34B | $2.31B | $416.9M | $6.5M | 0.86% | 3.06% | 1.62% |
| Q4 2025 | $3.03B | $2.28B | $2.29B | $411.4M | $29.3M | 1.01% | 2.99% | 1.83% |
| Q3 2025 | $2.93B | $2.23B | $2.23B | $404.0M | $23.3M | 1.09% | 2.98% | 1.29% |
| Q2 2025 | $2.89B | $2.14B | $2.20B | $389.5M | $12.3M | 0.87% | 2.97% | 0.56% |
| Q1 2025 | $2.82B | $2.14B | $2.17B | $382.5M | $6.8M | 0.96% | 2.89% | 0.64% |
| Q4 2024 | $2.81B | $2.13B | $2.17B | $374.3M | $24.4M | 0.90% | 2.67% | 0.58% |
| Q3 2024 | $2.78B | $2.05B | $2.10B | $378.3M | $24.4M | 1.22% | 2.63% | 0.68% |
Loan mix (Q2 2026): real estate $2.00B · commercial $335.9M · consumer $57.4M · securities $505.0M
| Ratio | Centreville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 12.2% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 59.0% | 73th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Centreville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Centreville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Centreville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Centreville Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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